HLB WISE Credit Card

Q: What are the rewards on the HLB WISE Credit Card?

The HLB WISE Credit Card offers 15%% dining (capped RM20/month), 10%% other (capped RM15/month), 10%% petrol (capped RM15/month), 1%% online (capped RM15/month), 0.2%% travel (capped unlimited). Up to 15% cashback requires minimum monthly retail spend of RM1,000 (posted transactions); below RM1,000 all categories earn 0.2%. Government/JomPAY/FPX, QR Pay via HLB Connect, cash advances, quasi-cash, balance transfers excluded. Verified 4 Sept 2026 against the official Hong Leong Bank website.

Hong Leong Bank · Malaysia · CASHBACK · Verified 4 Sept 2026

ANNUAL FEE

None

1st year annual fee waiver available (per HLB waiver T&C)

INCOME REQUIREMENT

RM24,000/year (or RM2,000 pledged FD)

MILES

—

■ CATEGORY RATES

Dining (MCC 5811, 5812, 5814) 15% · CAP RM20/month

Groceries & essentials (MCC 5411, 5912, selected convenience stores) 10% · CAP RM15/month

Petrol (MCC 5542) 10% · CAP RM15/month

Online spend incl. eWallet reload 1% · CAP RM15/month

Overseas and other eligible spend 0.2% · CAP unlimited

NOTES

Up to 15% cashback requires minimum monthly retail spend of RM1,000 (posted transactions); below RM1,000 all categories earn 0.2%. Government/JomPAY/FPX, QR Pay via HLB Connect, cash advances, quasi-cash, balance transfers excluded.

SOURCE

https://www.hlb.com.my/en/personal-banking/credit-cards/cash-back/wise-card.html

HLB official product page (hlb.com.my)

Verified 4 Sept 2026. Terms change — always confirm on the official site.